sandyf

"Currently, you can choose Cash, Interest or Stocks." https://wise.com/help/articles/3luodUQFD9YWzNc8PvIfVK/holding-your-money-as-stocks But not available to everyone at this point in time. EEA Interest is available to consumers and businesses that are residents in Estonia, Finland, France, Hungary*, Netherlands, and Sweden* and is subject to applicable rules and regulations. Stocks is available to consumers and businesses that are residents in Estonia, Finland, France, Netherlands, and Sweden* and is subject to applicable rules and regulations. https://wise.com/help/articles/31thpWvBl38OL54poT6VAE/who-can-use-interest-and-stocks?origin=related-article-GDxZxemd21yDVP4TQmdDJ

The one point I wouldn't hold him out to dry on is another enquiry. We have known from 2011 what the problem is and we don't really need to spend more time and money on proving it. The tories stuck their head in the sand and labour failed to take the initiative as soon as they took office, now paying for that mistake. Bottom line is they are a bunch of hypocrites, claim to be the party for working people but no interest in those that have been working people. Those that have never contributed to the economy get more consideration.

What will happen will depend on the circumstances. As has been said if you make a payment for goods in a currency that you hold on the Wise card there will be no fee, as transaction fees are paid by the merchant. I have come across companies that will increase the price if you pay by card to cover that fee. If however the transaction is processed in any other currency there will be a small conversion fee. For example you have GBP, EUR and USD available and you make a purchase in EUR and there is insufficient EUR balance to cover the amount, Wise will take the difference from either the GBP or USD balance, which would mean a currency conversion. Cash withdrawals are a different matter. Wise will allow 2 withdrawals a month up to £200 without fee, fees would be applied to withdrawals outside the allowance. It should be borne in mind that ATM's may impose a fee from the provider which has nothing to do with Wise. I believe all ATM's in Thailand have fees imposed by the provider, some a bit cheaper than others. I have had my card for some time now and find it invaluable when travelling, getting a beer in a foreign airport has become so much easier and cheaper. With my UK bank card, faced with a non sterling transaction fee an their version of the exchange rate.

Indeed, but the OP asked for comments without saying anything about Belgium or taxes. I believe the poster you replied to was referring to your comment about Thailand which was obviously wrong. You are not in a position to say which tax residency would be applicable to the account concerned. My account is UK and I have had the interest jar since it started and there has been no withholding tax. I also have also had the stocks jar for over 3 years and there has been no mention of tax. I was asked to confirm tax residency on both jars when opened, I have dual tax residency so for Wise it would be the UK. As far as I can remember the interest has been in the order of 4.2% during it's time, better than the 4% on my HSBC bonus saver. The stocks got of to a bad start with negative growth in the first year but last 2 years or so growth has been quite steady.

Indeed. I lived in Sheffield at the time the Rotherham scandal broke and there is little doubt the police held back for fear of accusations of racism. Successive governments have struggled to deal with the problem, but it is a UK problem. The US tends to use brute force to solve problems and I can't see that working out very well.

You cannot cherry pick and say it is ok. Everything the pair of them has said has to be taken into consideration to see the overall picture.

You mean President Musk.

Musk asked X users on Sunday night whether the U.S. should “liberate the people of Britain from their tyrannical government.” https://www.cnbc.com/2025/01/06/elon-musk-asks-if-us-should-liberate-britain.html Stick to the point posted rather than making things up.

Self respecting rich people acknowledge the influence they may or may not have and use their opinion with caution. Given a position in the new administration, Musk is like a kid showing off a new toy.

Not only the UK, this month will see an increased threat to global democracy. The US population has made the world a more dangerous place.

Quite. What I have seen on the holiday adverts is not so much the town itself but the name being used for the area with beach resorts and elephants being some distance away. Nearest I have been was Krabi, never bothered with Phuket.

That same old falang rhetoric. Phuket was always Thailands "up market" resort, till the tsunami hit. Quite a few high profile names there at the time. John Irvine, one of ITVs main journalists was on holiday and made the first reports. The fallout wiped out Phuket as a premier resort and after 20 years not surprising that the government would start to try and get Phuket back to where it once was. Pattaya has never had that sort of reputation to recover and will always be seen as the poor man's Amsterdam. My niece in the UK is an independant travel agent and I have never seen any of her Thai holidays include Pattaya, usually Bangkok, Phuket, CM and Samui.

Thought it may be, but reasonable for the work done. I used to use a private clinic in Chonburi but it became too much hassle when I started taking apixaban.

The no-brainers are those that think a monthly rate is standard practice in the accommodation business and should be something that conforms to their expectation. Their business their rules, learn to live with it.

That's a bit of a problem at Bang Saen hospital. You cannot book and they only take so many patients a day so you have to be there fairly early to stand any chance of being seen.

Was that at a clinic? I use the dental dept at the BS hospital and a couple of years ago had 2 out and they had 2 different prices.

The accommodation business, worldwide, is based on nightly rates. Some premises will offer a discount subject to certain conditions, if you do not agree with these conditions you are at liberty to go elsewhere. Many businesses have a different rate for for fixed packages,do you complain about them all? After 25 years in Thailand I know more than most about accommodation and the only valid question is the nightly rate appropriate.

The dimwitted are those that think they are entitled to something that isn't there. You will be complaining next that if you buy a case of beer you should be entitled to loose bottles at the same price.

"Greed" the fallback weapon in the bigot's arsenal. If you don't like the way someone run's their business, you can buy from another. If you don't like the way the Thais behave you shouldn't be here, sure there are other places more to your way of thinking.

Your words " If bills are charged separately for monthly and inclusive for daily, do they hand the deposit back after the month is over and then charge the inclusive daily rate? A rather unpleasant state of affairs." Your are not interested in reason, mind already made up.

You don't need to try and sell me Wise, had an account with card for several years and use it quite a lot. When I first got Wise, I checked both each time i did a transfer for about six months and saw insufficient evidence to change what I had been doing for nearly 20 years. The usual 24 hour delay sometimes goes in my favour and sometimes against me, but that is the nature of the beast. If i had been with a bank that charges £20 to transfer, then maybe a different story.

Obviously been polishing your crystal balls.

It varies significantly among other providers. On Friday afternoon I transferred £1500 from HSBC which incurred a £5 fee. About 10am yesterday morning i received 63,480 baht into my account.

Why do some feel the need to jump to inappropriate conclusions. You cannot compare private and government prices. When I had mine done, I was offered 3 prices, 6K, 9K and 13K, the difference being in the lenses. I had been attending the Sunday clinic run by the hospital director and paid the extra 5K for him to do the operation. I had both eyes done and including aftercare came to less than 40K but many friends and family have had it done by the other surgeons without a problem. Thais can have the 6K under the social but pay the extra for a better lens. https://www.bphosp.or.th/en_dreye.html

Yes it is needed, but only 2 of the 3 items mentioned, your wife being the owner you will only need a copy of her ID card and a copy of her Tabien Baan(Blue Book). Don't forget to address the TM30 issue.